Much more than a free score

Credit.com is the only product of its kind designed by leading credit experts
committed to helping you understand and master the confusing world of credit. It’s a simple,
guided experience protected by bank-level security.

Wherever you stand, we stand by you.

At Credit.com, we are credit experts who are deeply passionate about helping people
navigate the mysterious world of credit and guiding them to the right decisions so that they can attain the lifestyle that they desire.

Credit is confusing. We’re here to help.

Gerri Detweiler, Credit.com Director of EducationFor over 20 years Gerri has helped people cut through credit complexities and
get the information they need to make better decisions. Here are her answers to some of the most
common questions we get.

It’s a numerical expression of how well you are likely to handle credit based on
information that’s been sourced by credit reporting agencies. Your credit score
plays a critical role in your overall financial life, and has a direct impact on
whether or not you'll be approved for a credit card, a
personal loan, a mortgage
or any other type of financing -- and at what interest rate and terms.

Credit scores are generally based on five areas of your credit report: payment history, debt usage,
credit age, account mix, and credit inquiries. Your score (or should we say the score we provide you)
is based on the data in your Experian credit report. In fact, we provide you with
two credit scores –
the National Equivalency Score and VantageScore 3.0.

Signing up with Credit.com will net you a free credit score and a credit report card that shows how
you’re doing in the five key areas of your credit that determine your credit score - payment history,
debt usage, credit age, account mix and inquiries. See which factors need attention, and then follow our
personalized, step-by-step plan for strong credit.

Credit cards and installment loans can help you build strong credit, but they can do a lot more.
As a member of Credit.com,
you will be presented with credit cards targeted to your credit and goals.
Have excellent credit? You may want an excellent reward card. Trying to build or rebuild credit?
We’ll show you cards that may help you do just that.

The reasons credit applications are declined generally fall into these five general areas:
1) not enough credit history, 2) not enough diversity of credit,
3) a history of late or missed payments, 4) too many credit inquiries, or
5) history of high balances. Check your credit report, see what’s going on,
and learn how to improve it.

While credit may not be something you think about very often, it’s often critical at key milestones
in peoples’ lives. Maybe you want to buy a house…or a car. Maybe you’re all set to start a new job.
Maybe your business needs a critical infusion of cash. These are moments when you DO NOT want to be
surprised with bad news. That’s why we help our members
track their credit over time and alert them
when (and why) something changes.

Not only do our experts write about identity theft protection, we practice it constantly.
The information you give us is protected by bank-level encryption on our site and systems
that are monitored 24/7, all of which has allowed us to provide helpful online
services with a spotless record.

The offers that appear on
Credit.com’s website are from companies from which Credit.com
receives compensation. This compensation may influence the selection,
appearance, and order of appearance of the offers listed on the
website. However, this compensation also facilitates the provision by
Credit.com of certain services to you at no charge. The website does not include all financial services companies or all of their available product and service offerings.

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